Cheapest and Best Car Insurance in Hillsboro, OR (August 2024)

COUNTRY Financial offers the best rates for both minimum and full coverage car insurance in Hillsboro, Oregon. Nationwide is the most affordable for families with teens. Capital Insurance Group excels in service and overall value, balancing cost and customer experience. Consider your service and coverage needs when choosing the best car insurance.

COUNTRY Financial is the cheapest car insurance company in Hillsboro, followed by Progressive.

• COUNTRY Financial: $548 per year
• Progressive: $594 per year

Dairyland has the most expensive minimum coverage in Hillsboro, costing $2,783 annually. This is $2,235 more than the cheapest option, emphasizing the importance of comparing rates to potentially save thousands of dollars each year.

In Oregon, all cities follow state minimum car insurance coverage requirements:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $20,000 property damage liability per accident
  
• $25,000 uninsured motorist bodily injury per person
  
• $50,000 uninsured motorist bodily injury per accident
  
• $15,000 personal injury protection per person
  

For example, if you're at fault in an accident and the other party's injuries total $30,000, your minimum coverage would pay up to $25,000 for one person’s injuries. You'd be responsible for the remaining $5,000.

COUNTRY Financial provides the cheapest full coverage car insurance in Hillsboro.

• COUNTRY Financial: $1,006 per year
• Progressive: $1,036 per year

Dairyland's full coverage policy in Hillsboro costs $4,228 annually, $3,222 more than COUNTRY Financial's. This difference underscores the need to compare rates, as full coverage is more expensive due to its broader protection than minimum coverage.

A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It usually also comes with increased liability limits.

• Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
• Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.

Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.

To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.

In Hillsboro, the cheapest car insurance options for drivers with violations vary by the driving offense:

• DUI: Progressive ($1,220 per year)
• Speeding ticket: COUNTRY Financial ($1,305 per year)
• At-fault accident: Capital Insurance Group ($1,442 per year)

Dairyland has the highest rates for all three offenses. The severity of driving violations can significantly impact insurance costs. The cheapest rates increase from $1,220 with Progressive after a DUI to $1,442 with Capital Insurance Group after an at-fault accident.

In Hillsboro and other cities, insurance rates rise with the severity of driving offenses due to the higher risk of expensive claims. For example, those with a DUI may pay about $2,914 annually, while those with a speeding ticket might pay around $2,506. If you have a violation on your record, comparing insurance rates can help you find a policy that saves you money.

Nationwide offers the cheapest car insurance for teens in Hillsboro.

• Nationwide: $1,278 per year for female teens and $1,371 per year for male teens
• State Farm: $1,486 per year for female teens
• Allstate: $1,653 per year for male teens

The highest rate for a teen family policy in Hillsboro is from Capital Insurance Group, costing $3,079 for female teens and $2,937 for male teens. This $1,801 difference between the least and most expensive options for female teens highlights the importance of comparing rates to find the best coverage.

The cost difference between individual and family car insurance premiums for teens is significant in Hillsboro. An individual teen driver's annual rate averages $6,146, while a family policy costs about $2,135. This $4,011 difference reflects the higher risk insurers associate with inexperienced teen drivers. Getting an individual policy can be challenging for teens, as insurers prefer the lower risk of family plans that include more experienced drivers.

USAA offers the cheapest car insurance for drivers with military backgrounds in Hillsboro.

• USAA: $889 per year
• COUNTRY Financial: $1,006 per year

USAA is highly regarded for its services tailored to active-duty military members and veterans.

Comparing rates helps you save on car insurance in Hillsboro. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. Make the process much easier with MoneyGeek's car insurance calculator. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Selecting the ideal auto insurance depends on prioritizing factors like service, cost and coverage. Capital Insurance Group leads in all categories with top MoneyGeek scores:

• Best overall: 90 out of 100
• Best for service: 84 out of 100
• Best cheap: 89 out of 100

Capital Insurance Group stands out in Hillsboro for its exceptional balance of overall value, superior service and affordability. It’s an excellent choice for drivers seeking comprehensive benefits.

Capital Insurance Group offers the best car insurance in Hillsboro.

• Capital Insurance Group: MoneyGeek score of 90 out of 100 ($1,116 per year)
• American Family: MoneyGeek score of 82 out of 100 ($1,235 per year)

Capital Insurance Group balances customer satisfaction, cost-effectiveness and reliable claims processing, providing drivers with comprehensive protection and peace of mind.

Capital Insurance Group ranks as Hillsboro's top car insurance provider for customer service excellence. This assessment is based on customer satisfaction, claims handling and coverage options, regardless of cost.

• Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,116 per year)
• American Family: MoneyGeek score of 79 out of 100 ($1,235 per year)

Capital Insurance Group achieves top scores for customer satisfaction and claims handling, making it the preferred choice for Hillsboro drivers prioritizing service quality.

Capital Insurance Group is the top choice for drivers in Hillsboro seeking affordable, reliable car insurance. The MoneyGeek score highlights affordability and strong claims handling, ensuring great value for policyholders.

• Capital Insurance Group: MoneyGeek score of 89 out of 100 ($682 per year)
• American Family: MoneyGeek score of 82 out of 100 ($898 per year)

Capital Insurance Group balances low premiums and superior service, reflected in its high claims handling and customer satisfaction scores. A score of 89 is particularly impressive for a minimum coverage policy, showing the company's dedication to offering excellent insurance at an affordable price.

In Hillsboro, the average car insurance cost is $1,422, slightly below Oregon's average of $1,430. The state average is lower than the national average of $1,781.

Location, driving history, vehicle type and credit history affect auto insurance rates. Portland has the highest premium in Oregon at $1,744, while Eugene offers the lowest at $1,160. Rural areas tend to have even lower rates due to less traffic.